Complete EDI enrollment for ERA and EFT with a payer to enable electronic remittance delivery and direct deposit

Steps

1. Identify the enrollment pathway for each payer: most commercial payers offer ERA/EFT enrollment through CAQH EnrollHub (formerly CAQH CORE); some payers have proprietary portals; Medicare requires CMS-588 form submission through Palmetto GBA, Noridian, or the applicable MAC
2. For CAQH EnrollHub: register your organization, submit banking information (routing number, account number marked as YOUR_ROUTING_NUMBER/YOUR_ACCOUNT_NUMBER in test), select the payers you wish to enroll, and choose transaction types (ERA 835, EFT CCD+ or CTX format)
3. Provide your clearinghouse receiver ID or your own ISA ID so the payer knows where to route the 835 ERA files; if using a clearinghouse as an intermediary the clearinghouse will provide their receiver ID for you to enter
4. Await enrollment confirmation from each payer (1–30 business days depending on payer); some payers issue a test ERA file and require you to confirm receipt before activating production delivery
5. Verify EFT activation by confirming a small test deposit (if the payer sends one) or monitoring for the first live 835 remittance correlated with a submitted claim; reconcile the BPR EFT trace number against your bank statement
6. Maintain enrollment records and resubmit ERA/EFT enrollment when banking information changes or when onboarding to a new clearinghouse, as the receiver ID in payer systems must be updated